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The answer is found in the insuring agreement of the policy. It states that the company(insurance carrier) will pay all sums the insured is legally obligated to pay for bodily injury and property damage to which this insurance "applies"caused by an occurence in the coverage territory. However you must read the document completely to determine wht is not covered. these policies do have exclusions as to what is not covered. Some examples are exclusions for war,intentional injuries or acts,criminal acts, breach of contracts,pollution work comp injuries to your employees and many others. I suggest you consult a independent agency that is a professional with this type of policy. These type of policies are etremly complex and dependent on the business activity that you are engaged in.
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∙ 15y ago
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What is public liability insurance and how is it different from general liability insurance?
General liability covers Public and Producs Liability, therefore by having General Liability cover, public liability is covered also.
What is the definition of Tenant's Legal Liability?
Provides insurance against legal liability for property damage to business premises leased or rented to the insured.
Does general liability covers driving accident of an employee?
No, Your general liability insurance covers accidents on the work site. Commercial Auto Insurance would cover the work related auto accident of an employee. If the employee was injured while on the job, Your workers comepensation coverage would also apply.
What type of commercial insurance covers an employee causing damage at a 3rd party?
This would be covered under your general liability policy for your business
What does comprehensive general liability insurance cover?
Comprehensive general liability insurance covers businesses against many liability exposures of a business. Comprehensive general liability insurance coverage includes completed operations, elevators, independent contractors, and more.
Underwriting requirements for public liability insurance?
underwriting requirements of general public insurance covers
Can you purchase commercial general liability insurance with a suspended drivers license?
I have commercial general liability in the amount of one millin and one million. I never had to show a driver's license. Why would you have to show a drivers licence when obtaining commercial general liability? (unless you wanted commercial general liability on a vehile, I declined to cover a vehicle). Yes you can, the GL policy covers anthing you may do incorrectly while working, it does not cover you while driving any vehicle.
How much does general liability insurance cost?
The cost of general liability depends on said person's life, lifestyle, and home. General liability covers many public costs and product liability risks.
What is the difference between employers' liability insurance and public liability insurance?
The difference between employers liability and public liability are simple. Employer liability insurance covers only claims made by the employees against the company. Public liability covers claims against the company by the general public as well as third parties claims.
What is the General Liability Insurance?
Commercial GL covers your business for damages alledged by a third party including bodily injury and property damage. When you start a company, you should purchase GL insurance when you have any of the following : Sales, assets, employees, a physical location.
What are the main rules used by contractors general liability insurance?
Contractors general liability insurance is based on one of two things, total receipts or payroll and cost of subcontractors. Contractors general liability insurance covers a company if their employees get hurt on the job or cause damage to a property while working.
What does general liability insurance typically cover?
General liability insurance typically covers a third party from putting a claim against a companies operations. Some of the things that can be covered are property damage and bodily injury.
